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Where to put it
Pick a goal, an asset and how much risk you take. You get a short list chosen by hand from our monthly picks, with today's rate, our research verdict and how you get out.
From picks 2026-09Not financial advice
1. What do you want?
2. How much risk?
Established protocols, simple mechanics, a short or instant exit.
Stablecoins, low risk: 8 options
Full breakdown in picks 2026-09| Option | Rate | Our verdict | How to exit |
|---|---|---|---|
| USDC supply · Aave (Ethereum) lending | 12.55% live · 30d avg 4.13% | caution | withdraw any time while the pool has free cash |
| Liquid USD · ether.fi vault | 9.00% live · 30d avg 5.61% | caution | see the protocol |
| syrupUSDC · Maple private credit | 5.13% live · 30d avg 5.06% | caution | redemption queue up to 30 days, or sell on a DEX at a discount |
| sUSDe · Ethena synthetic dollar | 4.94% live · 30d avg 4.86% | caution | cooldown 1 day (Ethena can set 1 to 7), or swap |
| sGHO · Aave Savings GHO savings · rate set by Aave governance | 4.50% on 14.09 | caution | see the protocol |
| USDC supply · Kamino (Solana) lending | 4.46% live · 30d avg 4.59% | caution | withdraw any time while the pool has free cash |
| sUSDS · Sky Savings Rate savings | 3.60% live · 30d avg 3.60% | solid | instant |
| USDY · Ondo tokenised Treasuries · non-US only, KYC | 3.57% on 14.09 | caution | 24/7 redeem for non-US persons; new mints cannot be transferred for 40 days |
Sorted by today's rate within the risk level. "live" rates come from our yields board; dated ones are from the picks issue. A verdict is our research on the protocol, not on your position size. Not financial advice.
Alternative: centralised exchanges
Simpler to use, but the exchange holds your coins: freezes, regulation and the exchange's own solvency are the risk. Not your keys, not your coins.
| Option | Rate | Our verdict | How to exit |
|---|---|---|---|
| Coinbase USDC Rewards CEX rewards · program terms, not a market rate; custody with Coinbase | 3.35-4.1% by account and region on 14.09 | no report | see the protocol |
Split a sum across risk levels
Low60%$3,000USDC supply · Aave (Ethereum) (12.55%) · Liquid USD · ether.fi (9.00%)
Medium30%$1,500PT reUSD · Pendle (10.12) (10.86%) · PT sUSDat · Pendle (14.01.27) (10.50%)
High10%$500sUSDS / USDT loop · Morpho (25.57%) · PT USD3 · Pendle (17.12) (14.13%)
Blended rate today: about 11.65%, roughly $583 a year. Rates move; this is arithmetic on today's numbers, not a forecast.